company car - driving ban

Finance, Taxes, Banking, Insurance and Retirement
1
Hi there fellow CH expat community

I have been driving a company car, as the main driver.

I forgot (genuinely neglected) to inform the insurance company about a driving ban for 3 months for speeding after it expired.

The question is: Where do I stand?

PS: Its a company car, anyone can drive it, i didnt think that this was relevant. Now we changed car and the insurance renewal document was asking the question:

'' The following questions relate to the policyholder and the most frequent driver over the last three years:

Has your driver's license been withdrawn for three or more months in the past?''

It came as a shock to me. Stupid, perhaps i know.....

2
The key question is - were you driving during the ban?

3
no. during the ban, i was in Japan.

I respected it fully and solemnly. After the ban, I took my licence back by a-post, and i got in my car.

But i didn't notify the insurance chap (how stupid, i know) the fact.

4
Did you have a contractual obligation to inform them at time of the ban?

5
If you fail to provide the information required then you run the risk of them refusing to cover any large losses - when the loss adjusters start to look for reasons not to pay out.

6
I think this is a standard question when you take our an insurance for the car - they asked us also as new car owners and you need to tell the truth. I don't know that you need to inform the insurance during the event?

7
In my limited experience, the T&C contain language stipulating that you must inform the insurance if any of the data you provided in the questionnaire changes. I would expect that to apply in general.

See Mobiliar's explanations for their T&C below, abridged because I've removed the consequences (which typically go like "otherwise we may cancel or you may have no protection").